KIZOO provides mentoring, seed and early-stage financing with a focus on rejuvenation biotech.  Having been entrepreneurs, VCs and mentors in both, high growth tech and biotech companies theirselves for many years with multiple exits and massive value created for the founders, they now bring this experience to the emerging field of rejuvenation biotech - a young industry that will eventually become much bigger than today's largest technology markets. ​ As part of the Forever Healthy Group, they directly support the creation of startups that turn research on the root causes of aging into therapies and services for humans. ​ Forever Healthy's other initiatives include the evaluation of new rejuvenation therapies, evidenced-based curation of the world's cutting-edge medical knowledge, funding research projects on the root causes of aging and hosting the annual Undoing Aging Conference.

KIZOO Technology Capital

Runa Capital is a technology-focused venture capital firm managing two funds – Runa I was launched with $135M in 2010 and has made 33 investments,  Runa II of $135M was launched in 2014 and has made 30 investmerns and Runa III was started in 2019 and is in active investment stage right now.  The fund was established to seek early stage opportunities in the rapidly growing tech sector, with the specific focus on deeptech (AI, ML, open-source), future of computing, fintech infrastructure and enterprise software. Runa brings a team with extensive operational experience and is focused on finding growth businesses that generate revenues, supporting them in the global marketplace and turning them into international champions. Founded by Ilya Zubarev, Serg Bell (founders of Parallels and Acronis) and Dmitry Chikhachev (Ericsson, Ritzio, Uvenco) Runa Capital is run by a team of successful entrepreneurs, most of whom have worked together for over 15 years. It is a united team with broad geographical and cross-industry experience, as well as an extensive professional network. Runa Capital investment team members possess an excellent track record in tech investments.

Runa Capital

Point Nine Capital is a Berlin-based venture capital firm focused exclusively on early-stage Internet investments in areas like Software-as-a-Service (SaaS), online marketplaces, and mobile. The fund and its managers, Pawel Chudzinski and Christoph Janz have backed a number of highly successful Internet companies such as Delivery Hero, Clio, Shiftplanning, Vend, Typeform, and Zendesk from their earliest stages.

Point Nine

Acton Capital is a leading later-stage venture capital investor with presence in Munich and Vancouver. Since 1999, the Acton team backs startups in the fields of fintech, SaaS, consumer health, mobility & logistics, education or future of work on their way to market leadership. With over two decades of investment experience in tech-enabled business models, the team has invested 700+M EUR in more than 199 companies across five fund generations. Acton Capital invests worldwide, with a strong focus on Europe and North America.

Acton Capital

CommerzVentures specializes in early- and growth-stage companies in the financial services and insurance sectors. Established in 2014 as the venture capital fund of Commerzbank. Independent investment management company since 2019. CommerzVentures is a return-driven, non-strategic venture capital investor. We back early- and growth-stage companies in the financial services and insurance sectors, starting at Series A. We aspire to invest in the very best startups in a given sector. For their portfolio companies, we offer access to key decision makers across the banking and insurance industry. Our initial investment size ranges from €2 million to €10 million. We invest mostly in Europe, Israel, and the USA, and are always looking to work with entrepreneurs who have vision and enthusiasm!

CommerzVentures

Bessemer Venture Partners helps entrepreneurs lay strong foundations to build and forge long-standing companies. Their portfolio includes pinterest, shopify, twilio, yelp, linkedin, pagerduty, docusign, wix, fiverr, and toast, and has $19 billion of assets under management.

Bessemer Venture Partners

TCV provides capital to growth-stage private and public companies in the technology industry. It also provides management teams with data-driven insights, sector expertise, access to world-class talent, and connections with category leaders.  Founded in 1995, the Silicon Valley-headquartered firm has invested more than $14 billion in over 350 growth-stage technology companies to date. Some of its most prominent portfolio company exits include Airbnb, Facebook, Netflix, Peloton, and Zillow.

Founded in 2001, Tiger Global Management, LLC (“Tiger Global”) is a New York-based investment firm pursuing a long-term approach to investing in leading, global public and private companies that leverage technological innovation. Tiger Global’s public equity business includes fundamentally oriented long/short, long-focused and crossover strategies, targeting investments in high-quality, public growth companies. The private equity business invests in early through late stage companies that pursue innovative approaches to new and existing industries, building on over 20 years of experience investing in hundreds of businesses in more than 30 countries with more than 90 portfolio company IPOs. With a strong track record investing across sectors and stages, Tiger Global aims to be a thought partner to companies and their management teams across their lifecycle in public and private markets. The Firm’s mission is to generate world-class returns for its investors and to do so in a way that makes its employees, partners and portfolio companies proud.

Tiger Global Management

Arena Holdings is a venture capital investment firm that focuses on technology-enabled innovation. The company was founded in 2016 by Feroz Dewan and is headquartered in New York.

Arena Holdings

EQT is a private equity firm. They invest in companies and regions where there is an industrial approach. Their investment strategies include private capital, assets, credit, and public value, guided by an ownership approach and an industrial growth strategy.

Mambu

Heard of composable banking? The concept originated here at Mambu. We’ve been champions of composable for over a decade. Mambu is the only true SaaS cloud core banking platform. Our unique and sustainable composable approach means that independent engines, systems and connectors can be assembled in any configuration to meet business requirements and the ever-changing demands of your customers. 200+ banks, lenders, fintechs, and even retailers in 60 countries turn to us to help them build modern digital financial products faster, securely and cost-effectively.

Based in Germany, Mambu offers infrastructure for banks, FinTech startups, financial institutions, and telcos, to embed banking services to their FinTechs. The platform offers over 6,000 financial products including personal lending, digital wallets, and current accounts. Mambu is deployed on the cloud and allows businesses to use integrations to streamline and automate banking services. The platform can also be used to replace legacy banking FinTechs in addition to building new ones. For instance, in April 2021, Mambu’s infrastructure was used to rebuild Tandem Bank’s banking platform.

Democratizing financial technology with a suite of API-based solutions

FinTech Infrastructure

Tech Veteran Ivneet Kaur to Lead Mambu’s Product and Technology

Amadeus

To launch a multi-currency digital wallet offering to simplify the end-to-end travel payments experience, Outpayce selected Mambu's cloud banking platform.

Visa

Partnered to develop an integration with Visa DPS, a debit transaction processor, to provide Mambu's customers the ability to offer new card products and services.

Platforms that enable FinTechs to integrate a range of payment-related services such as one-time payments, subscriptions, and receipt management for domestic and cross-border transactions.


Based in Germany, Mambu offers infrastructure for banks, FinTech startups, financial institutions, and telcos, to embed banking services to their FinTechs. The platform offers over 6,000 financial products including personal lending, digital wallets, and current accounts. Mambu is deployed on the cloud and allows businesses to use integrations to streamline and automate banking services. The platform can also be used to replace legacy banking FinTechs in addition to building new ones. For instance, in April 2021, Mambu’s infrastructure was used to rebuild Tandem Bank’s banking platform.Key customers and partnershipsAs of December 2021, the platform had over 200 enterprise customers, more than 53 million end users, and handled around 130 million API calls daily. Moreover, Mambu had around USD 12 billion in portfolios under management as of March 2021. Its customers include large enterprises such as Western Union, Raiffeisen Bank, ABN AMRO, OakNorth, Orange, and Santander, among others. Mambu noted that its presence spans across more than 65 countries in six continents including operations in the US, Japan, Brazil, Malaysia, and the UK.In February 2021, Mambu partnered with the FinTech software development company TruNorth to create a cost-effective way for regional banks, credit unions, and community banks to digitize their operations. In July 2022, Mambu <a href="https://sp-edge.com/updates/11476?industryIds=53">partnered with Visa </a>to develop an integration with Visa DPS, a debit transaction processor, to provide its customers the ability to offer new card products and services.Funding and financialsThe company raised a total of EUR 345 million (USD 391 million) in two rounds of funding in 2021 (EUR 235 million in <a href="https://sp-edge.com/updates/7277">Series E funding in December </a>and EUR 110 million in January). The company’s valuation reached EUR 4.9 billion (USD 5.5 billion) in December, more than double its valuation in January (EUR 1.7 billion). The funds were earmarked to be invested in accelerating innovation of Mambu’s platform, building on strategic partnerships, as well as expanding its global footprint and customer success.

Cross River Bank provides a white-label banking-as-a-service (BaaS) platform for enterprises, combining banking services, payments, and marketplace lending infrastructure to build fintechs. Its solutions comprise demand deposits, savings accounts, credit and debit cards, and payment clearing services, including automated clearing house (ACH) and real-time payments. The company also provides banking and payment infrastructure for the crypto industry, including risk management services for its crypto clients.Cross River Bank has expanded its operations by acquiring Betterfin, a platform offering lending-as-a-service (LaaS) solutions, in November 2021. Through the acquisition, Cross River Bank leveraged Betterfin’s software to digitize parts of the small-business lending process (such as origination and underwriting).&nbsp;Key customers and partnerships&nbsp; As of November 2024, Cross River had over 80 clients, including lenders such as Affirm, Best Egg, and Upstart, neobanks such as <a href="https://sp-edge.com/companies/220119">Revolut</a>, and blockchain-based payment processing platform GreenBox. The platform reportedly originated over USD 24 billion in loans per annum, around 10x the value of loans it originated in 2015.As of November 2024, the company had over 500 employees and had entered more than 80 partnerships.&nbsp;In September 2024, Cross River Bank partnered with Forward, an embedded payments company, to offer payouts-as-service solutions featuring same-day automated clearing house (ACH) payouts through Forward's proprietary API technology.&nbsp;Cross River Bank also teamed up with UK-based BaaS provider <a href="https://sp-edge.com/companies/421515">Railsr</a> in January 2019 to launch a common API for their platforms to be used globally.The company partnered with <a href="https://sp-edge.com/companies/1643">American Express</a> (Amex) to enable FinTechs to issue credit cards through Cross River Bank, on the Amex network, while also providing select Amex benefits to the FinTechs.&nbsp;

Cross River Bank

Synctera was co-founded in 2020 by Peter Hazlehurst, the former head of Uber Money, who previously led the development of Google Wallet. The company offers an API-based infrastructure platform for community and regional banks to find and partner with FinTechs. This enables FinTechs to leverage the former’s licenses to embed FDIC-insured mobile checking, debit cards, savings accounts, and payment innovations, among other features. The API platform offered to the banks will then be sold to the FinTechs to code on. Although the end customers interact with the FinTechs, they legally belong to the bank.<a href="https://sp-edge.com/updates/8117">Synctera mainly charges the banks </a>based on the interchange fees they earn (half of the interchange fees, as of January 2022) from the services provided. It does not charge them an initial amount to use the platform. Moreover, the platform also embeds fraud-as-a-service and charges FinTechs on a per transaction basis (4 cents per transaction) should they choose to use it. It subsequently shares that revenue 50/50 with the banks.The company launched the “t-minus10” project in January 2022, which offers a live sandbox for FinTechs to build apps, test, and go to market, enhancing their access to banking partners. It subsequently launched a “Smart Charge Card” (APIs to build, launch, and issue charge cards) and “White-label Banking App” (a codebase for developers to build embedded banking products or neobank apps) infrastructure in October 2022.Key customers and partnershipsIn February 2022, Lineage Bank (a community bank in Tennessee) and GoGetr (FinTech aiming to promote health and wealth management) became the first companies to launch a banking solution using the Synctera platform. As of March 2023, the platform was working with around 50 fintechs, of which 14 were live (including Wayapay and Float). Synctera reportedly had over 20 implementations set for launch in the following two months.Synctera announced a new card issuing and management infrastructure offering (Card-as-a-Service), in July 2021, which it developed in partnership with Mastercard and leading card issuing infrastructure disruptor, <a href="https://sp-edge.com/companies/64287">Marqeta</a>.In August 2024, Synctera partnered with<a href="https://thepaypers.com/payments-general/synctera-partners-marqeta-to-introduce-fleet-cards--1269833"> Marqeta&nbsp;</a>to develop a fleet card solution that helps companies create and manage their own fleet card and banking products.

Synctera

Based in the UK, Weavr, formerly known as Open Payments Cloud, was spun out of payment provider Ixaris in 2019. Weavr offers the infrastructure for enterprises to embed banking services across various industries, including education, fitness, logistics, etc. Weavr’s “Meta” platform combines multiple banking and payments partners in one platform through application programming interfaces (APIs). Using the APIs, enterprises can embed virtual banking services such as card payments, fund transfers, and international banking accounts.Weavr expanded its operations to Singapore in November 2022, as part of its global expansion plans.In March 2023, the company acquired Comma Payments in a primarily equity-based transaction to integrate the latter’s technology. The integration will allow customers to transition from making payments via existing bank accounts to using Weavr-provided accounts with enhanced controls and payment options.Key customers and partnershipsAs of February 2023, Weavr had served over 1,500 enterprises, including Wectory, AllGravy, Corplife, Finway, Thanks Ben, and MySkillCamp.&nbsp;In October 2019, Weavr partnered with payment service providers Global Processing Services (GPS), Paynetics, and iDenfy to enable developers to create and run sophisticated and streamlined payment experiences for their European customers through Weavr.In June 2023, the company&nbsp;<a href="https://www.weavr.io/blog/weavr-and-visa-to-deliver-embedded-finance-to-the-global-stage/">partnered with Visa</a> to integrate its financial plug-ins with Visa's payment capabilities to create embedded finance solutions that are easy to deploy and cost-effective.

Weavr

MX offers an open finance portal, data connectivity application programming interface (API), and MX platform API for banks, credit unions, and other financial service providers. The company’s solutions allow its clients to utilize financial data to reduce fraud, approve loans faster, and improve their customer experiences. In addition to APIs and connections, MX also offers a range of capabilities, including data aggregation, analytics, financial feed insights, wealth and investment services, and verification services.MX looks to enable banks and financial institutions to launch next-generation services and apps that automate and personalize financial experiences.Key customers and partnershipsAs of January 2021, the company noted that it worked with more than 1800 banks, credit unions, and FinTech companies, and its platform reached over 200 million end-users. Moreover, it also powered 43 of the top 50 digital banks as of the same period.&nbsp;As of November 2024, the company maintained connections with more than 13,000 financial institutions and FinTechs. Moreover, the company had processed transactions worth USD 170 billion, averaging around USD 150 million per day.In November 2024, the company partnered with&nbsp;<a href="https://www.pymnts.com/news/banking/2024/american-express-forms-data-sharing-partnership-with-mx/">American Express</a> to enable the latter’s customers to securely connect their accounts with third-party financial institutions and FinTech apps through MX's platform.In&nbsp;<a href="https://sp-edge.com/updates/8753?industryIds=53">February 2022, MX partnered</a> with&nbsp;<a href="https://sp-edge.com/companies/361160">Rize</a>, to enable users to access Rize’s banking infrastructure to build, launch, and scale financial products through a single API, thereby reducing the development time and cost.&nbsp;&nbsp;

Bankable is a banking-as-a-service (BaaS) infrastructure provider allowing financial institutions and corporations to utilize its API to integrate banking services. It provides a platform for its enterprise customers to offer modular banking services, including ledger management (process data from multiple banks to support cash management for global corporate affairs), digital banking, payment cards, and e-wallets. The company expanded its platform by <a href="https://sp-edge.com/updates/19662">acquiring Arex Markets </a>in June 2023, to embed working capital solutions (such as flexible invoice financing, corporate credit cards, lodged cars, and revolving credit).The company has a global presence, with operations spanning from the US to the Middle East as of January 2021. Bankable noted that the expansion of its global footprint also helps its European and US FinTech clients expand their operations internationally.Key customers and partnershipsIn January 2020, the company partnered with the diversified FinTech infrastructure provider <a href="https://sp-edge.com/companies/85350">Plaid </a>, which enabled Bankable’s customers to use Plaid’s tech to connect to more than 15,000 banks in the US and Europe.

Bankable

Platforms that allow FinTechs to integrate banking services such as opening and maintaining accounts, facilitating card payments, etc.


Companies that enable organizations to embed anti-money laundering (AML), identity verification, and know-your-customer (KYC) solutions.


Platforms that allow FinTechs to integrate lending services,  by typically applying AI/ML technology to a spending analysis to analyze creditworthiness.

Companies providing APIs and integrations for FinTechs to access securities markets, facilitate transactions and clearing, and provide insights to help end-users manage their finances.

May specialize in promoting inclusiveness in financial services, primarily in the investment and lending spaces

AI/ML can improve the quality of their offerings, such as using AI/ML to reduce biases

Used for payment completions, accessing banking and transaction data, and providing financial insights, among others

Making banking work, without the paperwork

Neobanks

DISRUPTOR_PRESENT

PROMINENT_CATEGORY

Scottish neobank Alba Bank has chosen Mambu's cloud banking platform to manage its lending services, reducing its time-to-market. Alba Bank was established in 2018 and obtained its banking license in March 2023. The bank is currently in the mobilization phase.

Mambu

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